The Dangers and Costs of Not Having Health Insurance

The dangers of not having health insurance are plenty; you can either die due delayed medical attention or infect community members with communicable diseases. It’s very important that everyone is covered by a health insurance plan, as it’s both convenient and cheaper in the long run.

Here are top 5 dangers of lacking health insurance

It’s very expensive
Footing medical bills due to an accident or a serious illness can be way out of reach for most people. It’s very expensive if you opt to stay without a health insurance plan.

Source : flickr
Here is a breakdown the medical bills you will likely foot if lack a health insurance cover
  • Spinal fusion if you hurt your back- 59,000$
  • Kidney transplant-121,000
  • Amputation of leg or arm-52,000$
  • Fractures or dislocations- 26,000$
  • Dental care or procedures- 23,000$
  • Ear, nose and mouth therapeutic procedures 22,000$
  • Scan on your chest-20,000$$
  • Microscopic blood examination-14,000$
  • Cancer through chemotherapy 31,000$
  • Psychiatric therapy-27,000$
  • Blood transfusion -23,000$
  • pregnacy delivery procedures- 7,000$
  • C- section-13,000$
These are some of medical procedures and their standard cost, that is if you decide to stay without a health insurance plan.

Simple Illnesses Worsen

People who are not covered by a health insurance plan will likely develop serious complications from simple illnesses. These segments of the population usually carry on with their lives hoping that the diseases or illnesses will subside or go away at some point. Due to delayed intervention, the illnesses or conditions worsen. This not only endangers their lives but also puts massive financial responsibility on the individuals.

Infect Community Members

People who lack health insurance are not only risking their lives but will likely endanger the lives of community members living around them. These people will usually go about their usual business with serious underlying diseases in their bodies. Diseases such as TB or hepatitis are very dangerous and highly communicable. This essentially means that if you are suffering from TB and you are not covered by health insurance then you are likely going to infect those living around you.

Financial Ruin

The cost of treating diseases that could have been easily managed in their early stages is exorbitant. Most diseases left untreated early will usually turn into serious medical conditions. The treatment of such diseases at this moment will likely cost a fortune. The patient will likely incur huge medical bills that may cause the patient to be in dire financial position or even lead the patient to file for bankruptcy.

Delayed Career Advancement

Most institutions of higher learning do not admit students who lack health insurance. This essentially implies that person’s career advancement will likely be delayed because of lack of a health cover. It’s therefore important that you secure a personal health insurance cover if you want to pursue your dream career.

Risk of Dying

Most diseases if left untreated will often result into patients dying. People who lack medical cover may avoid the treatment table or regular health checkups thereby endangering their live in the process. Some diseases are dangerous meaning that they can cause death if they are not managed or treated immediately.

As you can see, saving money by not getting health insurance is really not saving money at all.